Second Charge
Bridging Loans

  • image Borrow £25k to £500k
  • image Up to 75% loan-to-value
  • image Property value from £75,000
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Fast, Flexible, and Built Around You

Our second charge bridging loans are designed with a common-sense approach, focusing on your project and your goals, not just the paperwork.

Whether you’re looking to raise funds quickly, restructure finance, or bridge the gap before a sale or refinance, our second charge bridging loans give you the flexibility and peace of mind you need.

We understand that projects don’t always go to plan, which is why we accept multiple exit strategies, ensuring your finance fits around your project, not the other way round.

We'll come back quickly - usually the same day. If you would prefer to speak with us now please call 0204 628 0990.

    All credit considered

    We look at the bigger picture, not just your credit history.

    Flexible repayments

    Choose to pay monthly or roll up interest until the end of the term

    No early penalties

    Repay with no charges – only a £245 discharge fee applies

    Nationwide coverage

    Available for properties across England, Scotland, Wales & Northern Ireland

    Take the next step

    Get expert guidance on second charge bridging loans

    Speak to an advisor
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    I was in urgent need of funds to secure a plot of land at auction, with strong potential for planning gain. Time was critical, and the team worked quickly to arrange a second charge loan against my residential property. The loan was structured over a 12-month term at a very competitive rate, with interest retained, which gave me the flexibility I needed. From start to finish, everything was completed within just four weeks, allowing me to secure the purchase on time. I couldn’t be happier with the service and efficiency provided.”

    Olumide Olutunde, Credco customer

    Second Charge Bridging Finance FAQs

    What is a second charge bridging loan?

    A second charge bridging loan is a short-term, secured loan taken out against a property that already has a mortgage. It’s designed for business or investment purposes and can provide fast funding when you need it, without affecting your first mortgage.

    How long does it take to get a second charge bridging loan?

    Most second charge bridging loans can be arranged in as little as 2 to 4 weeks, depending on the complexity of the property and your circumstances. Our experts work to make the process as quick and straightforward as possible.

    Who can apply for second charge bridging finance?

    Our loans are designed for business or investment purposes and are available to property owners in a wide range of circumstances. We consider all credit situations, making our bridging loans accessible to many applicants.

    How can I repay a second charge bridging loan?

    You can choose to make monthly interest payments or roll up the interest and pay at the end of the term. Multiple exit strategies are accepted, giving you flexibility to repay in a way that works for your project.

    Is a second charge bridging loan regulated?

    No, second charge bridging loans are secured, unregulated loans. This allows for more flexible lending terms, especially for business and investment purposes.

    Ready to take the
    next step?

    Let's chat about your property plans and how we can help make them happen.

    We'll come back quickly - usually the same day. If you would prefer to speak with us now please call 0204 628 0990.